It all begins with a savings account.
When you open a savings account, you become an Ascend member. That means you automatically qualify to apply for all other Ascend products and services.
Dividends are earned on your daily balance and paid at the end of each month.
Ascend's digital banking service is fast, free, and convenient.
Over the past 20 years, we’ve given our members more than $116.5 million in interest refunds and bonus dividends.
Ascend members can buy tickets for select Live Nation concerts at Ascend Amphitheater before they go on sale to the public.
| Account | Dividend Rate | APY |
|---|---|---|
| Under $9,999.99 | 0.01% | 0.01% |
| $10,000 - $99,999.99 | 0.05% | 0.05% |
| $100,000 - $249,999.99 | 0.15% | 0.15% |
| $250,000 AND OVER | 0.20% | 0.20% |
Rates and tiers effective November 1, 2025.
Legal Disclosures and Additional Information
Savings Accounts are variable rate accounts, and the rates may change. Annual Percentage Yields (APYs) stated are accurate as of November 1, 2025. The savings account uses a tiered-rate structure. Dividend rates and APYs are calculated based on your daily balance according to the entire balance of your account. Dividends will be compounded monthly and credited to your account monthly. The minimum opening deposit on a savings account is $5.00. Fees and other conditions could reduce earnings. For more information regarding fees, see the Rate and Fee Addendum.
Youth Savings Accounts
Good financial habits start with a youth account. These accounts encourage and reward financial responsibility, and as children grow, these accounts grow with them.
Banking—wherever you need it.
Securely manage your account and credit score on Ascend's fast, free and convenient digital banking service, from either your computer or smartphone.
- How do I open an account with Ascend?
If you meet one of the eligibility requirements, you can become a member of Ascend. To become a member, you must purchase at least one share by depositing $5 into a savings account. We make opening an account easy.
- Who can join Ascend?
As a multiple common bond credit union with limited membership, Ascend serves many occupational and associational groups. Membership eligibility can be determined in one of the following ways: Relationship with immediate family or household members, Employment/Affiliation, Underserved Areas, and The Nature Conservancy, Tennessee Chapter (TNC). To find out how you are eligible to join, visit our Eligibility page.
- What fees can I expect from Ascend?
Visit our Rates Dashboard for current rates and fees.
- What are Ascend’s branch locations and hours?
For a complete list of locations and hours, visit our Branch/ATMs page.
Don't see the question you're looking for?
There are three different ways to open an Ascend account.